Your life is always precious, especially to your loved ones. It’s a sad reality but life can be changed forever through a freak accident, a sudden heart attack or a dread disease. Its effects can be devastating, especially on your family! So, don’t let yourself be caught unprepared for these sudden mishaps.

Protect yourself against the rising cost of medical treatment with MedicaLife 210.

Benefits

This is a guaranteed renewal policy up to age 80. MedicaLife 210 is a standalone Hospitalisation & Surgical policy with 4 plans available for the Insured. It prepares policyholders for costly medical expenses with high lifetime limit – as high as RM 1,200,000.

The Insured will be provided with a MedicaLife 210 Medical Card to facilitate hospital admission. The Medical Card is accepted by a panel of quality hospitals nationwide.

The Insured will also get to enjoy international assistance programs with MedicaLife 210. The services offered are International Medical Assistance, Travel Assistance, Car Assistance and Home Assistance.

You can be insured with Zurich MedicaLife 210 if you are between 0 (30 days) and 59 years old (age last birthday).

An illness or accident can put a real strain – on your well-being as well your finances. But now you don’t have to worry about the expenses. Let ACPG AXA SmartCare Optimum concentrate on the bills whilst you concentrate on getting better.

Wider protection and flexibility from four different plans with coverage up to RM500,000.00

Outpatient treatment includingaccident and emergency treatment

kidney dialysis

cancer treatment

Deductible OptionYou may choose to buy Deductible Option where you pay the first RM7,500, RM10,000, RM15,000 or RM20,000 of your hospitalization bills.

You will be entitled to a premium discount up to 50%

No need to declare health status if you decide to convert this Deductible policy to Non-deductible policy subject to following conditions:Insured’s age next birthday is 59 or below,

the coverage for the Insured has been inforced for at least 2 continuous policy years,

conversion is only allowed upon policy renewal,

coversion is for the same plan only,

Insured must submit a written request to the Company,

the required additional premium must be paid,

any existing loadings and/or exclusions shall continue as per the original Deductible Policy,

one time conversion is allowed per lifetime.

Cashless Admission facilities

admission into any of our AXA ‘s panel hospitals without paying cash deposit

If you do not have the card with you at the time of admission, call the hotline above and inform the operator your name and identity card number.

Panel Hospitals Click here to read/download our panel hospitals.

FAQ for ACPG AXA SmartCare Optimum Medical Card Plan

Who is eligible to join? If you are in the age group of 1 to 59 as of your next birthday, you are eligible to join. We offer renewal up to age 80 provided you were already a member on your 59th birthday.

Dependent children (unmarried & unemployed) must be above 15 days and under 19 years of age, or under 23 years of age if the child is still on full-time higher education in Malaysia. If a policy is taken up for one member only, who is a child below 2 years of age, the child’s health records have to be submitted for underwriting review.

Is there a surgical schedule? No. There is no surgical schedule. Benefits are payable on a full refund basis.

What is cashless admission? This means that you don’t have to pay deposits to the hospital if you are admitted to one of the AXA panel hospitals. We will pay, provided the nature of accident or illness is covered under the policy.

Are the Premiums Guaranteed? We may charge the premiums in the future as the premium rates are not guaranteed. If we need to charge, this will be based on our overall experience in underwriting this class of business and any changes in Premiums will be notified and made on your policy anniversary.

Is the Renewal Guaranteed? There is no selective Renewal Loading or Exclusion on individual if claim is made during previous year. No restriction on lifetime limit and full annual limit is restated at Policy Renewal . However, the renewal of the Policy is at the option of Policyowner until the occurrence of any of the following:-

a)

non payment of premiums or premiums not made on time

b)

fraud or misrepresentation of material fact during application

c)

the Policy is cancelled at the request of the policyholder

d)

on the death of the policyholder or an Insured Person

e)

the Insured Person ceases to qualify as a dependent based on the definitions of the Policy

f)

the Insured Person attains the coverage age limit specified

g)

termination of coverage for all policies in a certain market

What are the disadvantages on switching policy from one insurer to another? One of the main disadvantages is if your current health status is less favourable to the new insurer, new terms may be imposed to exclude such illness To ensure continuous cover is provided, you are advised to check with us on the accepting terms prior to your policy expiry date.

Malaysia Children Medical & Health Insurance Policy …..not just a children health plan, but a plan for good health
Despite efforts to stay healthy, illnesses can strike suddenly,

No matter how careful you n your …

family members are, accidents can happen any time.

When they do, you would want immediately access to the best medical care you can get. However, you know that hospitalization is expensive. Medical costs are high, and getting higher every year. How do you ensure that you and your family get the medical care you want for yourself and your family?

ACPG Children Medical & Health Insurance Plan can help put your mind a rest. Helping you deal effectively with all serious health problems, from the need for prompt diagnosis to prearranged care at an approved panel hospital of your choice. In the event of serious medical emergencies, you can be covered for immediate admission to the nearest approved panel hospital.

With ACPG Children Medical & Health Insurance Plan, you need not worry about funding for your healthcare costs or it being a burden on yourself and your loved ones. All you have to do is to select from a choice of Children Medical Insurance Plans that suits your needs.

ProLife 36 Super Basic

Life is beautiful. It is no secret that everyone would love to keep it that way – forever!

No one likes to think of the possibility of rain on a sunny day. Similarly, we always take it for granted that we will always be as fit and healthy as we are today.

It’s a sad thing but it’s a fact – critical illness can strike anyone at anytime – and at any age.

Today, the odds of surviving a critical illness/dread disease are great, thanks to the advances in medical science.

The question is will your finances survive too? Think about the trauma and stress that you and your loved ones would have to go through.

Think about having to battle cancer and yet having to go back to work, work, work – just to pay off the extra expenses like medical bills.

The trauma and stress can be debilitating!

ProLife 36 Super Basic is a new way of protecting yourself against the high cost of rebuilding your lifestyle following critical illness/dread disease.

Think about what a difference this money will make towards helping with recovery, for adapting to a new lifestyle, helping to support the family financially, or perhaps saving your business.

How you spend the money is completely up to you. But one thing is for sure: everyone – single, married, parent or business owner – has a real need for this coverage. Thankfully it is available to everyone, from age 1 month to 55 years. You can obtain it if you are still eligible.

Act now!

Benefits

Type of Critical Illness/Dread Disease Covered:

Alzheimer’s Disease/Irreversible Organic Degenerative Brain Disorders

Aplastic Anaemia

Bacterial Meningitis

Balloon Angioplasty

Benign Brain Tumor

Blindness

Brain Surgery

Cancer

Cardiomyopathy

Chronic Liver Disease

Chronic Lung Disease

Coma

Coronary Artery Bypass Surgery

Encephalitis

Full Blown Aids

Fulminant Viral Hepatitis Heart Attack (Myocardial Infraction)

Heart Valve Replacement

HIV Due to Blood Transfusion

Kidney Failure

Laser Treatment or any other Invasive Treatment for Coronary Artery Disease